If one of the heirs is a minor, their share is not transferred or managed as if it were an adult's.
Key points
Guardianship rules apply, and legal representation or authorization may be required for certain transactions, depending on the circumstances.
Inform the bank of the minor's existence from the outset and submit the necessary guardianship or custody documents.
Do not attempt to expedite the process with a verbal agreement among the heirs, as this does not negate the minor's rights.